®Mastercard, WORLD Mastercard, WORLD ELITE and PRICELESS CITIES are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

®ULTRAMAR is a registered trademark of Valero Energy Inc. Authorized user: National Bank of Canada.

®The registered trademarks of CAA and the CAA logo are the property of the Canadian Automobile Association, which authorizes their use.

® Apple Payis a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

1. Subject to credit approval by National Bank.

2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. The minimum payment to be made to the Bank every period will be equal to 3% of the account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 3% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate

Average balance

$500

$3,000

22.99%

$9.45

$56.69

19.99%

$8.22

$49.29

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on July 1, 2017

3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

6. Donations made annually by National Bank representing a percentage of sales charged to the card over a period of 12 months by all Allure card holders. The percentage of sales to be donated is at the sole discretion of National Bank, but the total amount of donations paid by National Bank will not exceed $450,000 per year. To find out more about the calculation period and applicable conditions, visit yourallure.ca.

7. The discount applies when you purchase gift cards for Allure partners on yourallure.ca. It will be applied to the total gift card amount. Cards must be purchased in multiples of $25. No discounts will be granted in store upon presentation of an Allure card. Lost, stolen or damaged gift cards will not be replaced. Allure card partners may change. Gap, Old Navy and Banana Republic gift cards can be used at any Gap, Old Navy or Banana Republic store in North America. Gap, Old Navy and Banana Republic gift cards can be used to purchase in-store items only. If you have any questions concerning Gap, Old Navy or Banana Republic gift cards, call (respectively) 1‑800‑GAP‑STYLE, 1‑800‑OLD‑NAVY or 1‑888‑BR‑STYLE.

8. Cashback on gas purchases made at Ultramar. Please note that the combined total of the three cashbacks cannot exceed $250 per year. Gas rebates vary according to your monthly and annual gas purchases at Ultramar service stations and are subject to certain conditions.

9. All purchases charged to your Ultramar Mastercard are taken into account in determining your discount percentage, excluding purchases made at Ultramar service stations or Ultramar Home Heating.

10. The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

11. The interest rate for the Syncro card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the Syncro card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

12. The net purchase volume is the amount of purchases charged to the account minus returned items or refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

13. On condition that required supporting documents are provided in the manner and time frame prescribed. Some restrictions may apply.

14. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $250 per account. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain a copy of the reimbursement claim form, call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or +1‑416‑734‑3922 (collect) from anywhere in the world.

15. The World Mastercard® Lounge near Gate 53 at Montréal-Trudeau Airport is open from 4:00 a.m. to 11:00 p.m., seven days a week. As the Lounge is located in the terminal for International and Canadian flights, it is not accessible to travellers to the United States.

18. The cashback is based on a point accumulation system. For every $2 you spend using your Allure or Edition Mastercard credit card, you will receive 1 point. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. For details, see the Terms and conditions.

19. Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, under group insurance policies NBC0516 and NBCL0516. Details of the insurance coverage, including definitions, benefits, limitations, and exclusions, are set out in the insurance certificate sent with your card. Please read the insurance certificate, keep it in a safe place with your other important documents, and bring it with you when you travel.

20. Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, under group insurance policies NBC0316 and NBCL0316. Details of the insurance coverage, including definitions, benefits, limitations, and exclusions, are set out in the insurance certificate sent with your card. Please read the insurance certificate, keep it in a safe place with your other important documents, and bring it with you when you travel.

21. You earn CAA Dollars equal to 1% of eligible purchases made using your CAA Rewards Mastercard credit card. At the end of each month, your CAA Club will receive information on the accumulated CAA Dollars from National Bank. Your CAA Club is responsible for the issuance, administration and redemption of CAA Dollars in accordance with the terms and conditions of the program. CAA Dollars are not earned on cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments, credits, interest charges, foreign exchange fees, credit insurance premiums and other fees and charges. CAA Dollars are not earned on any purchases prohibited by the laws of Canada or any other country. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, has been suspended or terminated, or other qualifications for eligibility are not met.

22. All eligible purchases qualify for 1% cashback. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the Cardholder’s Guide [PDF].

23. The 20% discount applies to regular ticket prices for shows at Théâtre Banque Nationale, taxes included. Call 418‑698‑4080 or visit a participating point of sale to take advantage of this offer. Just present your National Bank client card or National Bank Mastercard. Service charges not included. Limit of two (2) tickets per client per show. This offer cannot be combined with any other offer or promotion.

27. Offer is valid on new CAA Rewards credit card accounts. Offer open to anyone who does not have a National Bank CAA Rewards Mastercard credit card. During the first 3 months after signing up for a CAA Rewards credit card, you will receive 25 CAA Dollars if you charge $500 to your account and an additional 25 CAA dollars if you charge $3,000 to your account. There is a limit of one 25 or 50 CAA Dollar credit per CAA Rewards Mastercard credit card account during the promotion period.

** The promotion runs from September 5, 2017 to May 31, 2018. To qualify, your account must be in good standing. The promotion is not retroactive. Only flights and vacation packages booked through the À la carte Travel agency and charged to your National Bank World Elite card during the promotional period are eligible. Transactions must have been sent by the merchant to Mastercard by May 31, 2018, at the latest. Points are calculated on the total amount of the purchase charged to the credit card. This promotion cannot be combined with any other National Bank offer, promotion or advantage. National Bank reserves the right to end this promotion at any time without notice.